The average cost of owning a Toyota Camry for 5 years is $36,433. This total will vary per vehicle, driver and location. These ownership expenses include:

The interactive chart below illustrates the relative proportion of each of the major costs of ownership. Click on any of the expenses boxes to see more detail.

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Toyota Camry CarEdge Value Rating

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Toyota Camry Depreciation

A Toyota Camry will depreciate in value by $14,274 after 5 years. Depreciation is difficult to avoid, but it can be managed. Depreciation is the difference between the original sales price, and what the vehicle will be worth in the future. We use 5 years as an example in our analysis.

When new, a typically-equipped Toyota Camry sells for $35,766 on average. After 5 years of depreciation, the average residual value will be $21,492. This represents the vehicle's retail market price. Trade-in and private sale prices will likely be lower. Use our Toyota Camry Depreciation Calculator to see how model year and mileage will affect your resale value.

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Toyota Camry Insurance

The average annual cost for auto insurance for a Toyota Camry is $2,012, which adds up to $10,060 after 5 years of ownership. These insurance costs are estimates based on national averages for a 40 year old, with full coverage, a good driving record, and good credit. They also assume a single-car policy, and won't reflect any multi-car discounts. See our Toyota Camry Insurance Calculator to view rates by state, for different driver ages, credit ratings and driving history.

Toyota Camry insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

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Toyota Camry Maintenance

Maintenance and repair costs for a Toyota Camry will amount to $1,512 after 5 years. Expenses include scheduled maintenance, normal wear and tear items and expected repairs. These estimates exclude any free warranty work performed.

The region you live, and the way you care for and drive your vehicle can have a big impact on these costs. So, your results may vary significantly from our estimates. Our Toyota Camry Maintenance Cost Estimator shows how much you are likely to spend, and the probabilities of a major repair over 10 years.

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Toyota Camry Financing Costs

The average cost to finance a new Toyota Camry would be $6,056 after 5 years. This assumes a 72-month loan with an APR of 6.99% and a 20% down payment. Financing costs are a vehicle cost that you can control. Your interest expense can be greatly reduced by changing your loan term, improving your credit score, or increasing your down payment.

Our Toyota Camry Loan Calculator allows you to build a loan that's best suited for you. This handy utility will also help to keep you from becoming upside down, where you end up owing more than the vehicle is worth. You can estimate monthly payments and download the full amortization schedule as well. We've highlighted some typical loan scenarios in the table below. See what a difference a larger down payment will make in lowering your financing costs and your monthly payments.

Toyota Camry Loans

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Toyota Camry Fuel Economy

A Toyota Camry gets an average of 36 MPG, which will cost a total of $4,530 for fuel after 5 years, or about $906 annually. These estimates are based on recently collected national average fuel prices, assuming 15,000 miles driven per year - 55% city and 45% highway. These figures also reflect current EPA estimates. Fuel costs will vary based on your driving style, fuel prices in your area, and the engine that will be in your vehicle. We used the Toyota Camry trim levels below for our estimates:

Toyota Camry MPG

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Watch: 5 Things to help you understand Cost of Ownership

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